Civic Intelligence

German Mutual Insurance Company

EIN 44-0258974 • 501(c)15 • California, MO

Profile

Mutual Insurance Company - Property insurance is provided to members of the Organization.

104 East Third StreetCalifornia, MO 65018

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2023

Liabilities / Revenue

66th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

<$500k nonprofits • Source year 2023

Net Margin

6th percentile

-457%

Higher net margin than 6% of similar nonprofits.

<$500k nonprofits • Source year 2023

Top Officer Pay

89th percentile

$15,818

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

<$500k nonprofits • Source year 2023

Asset Growth

12th percentile

-100%

Faster asset growth than 12% of similar nonprofits.

<$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

76th percentile

28%

Faster revenue growth than 76% of similar nonprofits.

<$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $1,698,888 (-100%) from 2022

Liabilities

Flat

$0

Flat from 2022

Net Assets

Down

$0

Down $1,698,888 (-100%) from 2022

Operations
Liabilities / Revenue66th percentileNet Margin6th percentile

Revenue

Up

$371,595

Up $81,833 (+28%) from 2022

Expenses

Up

$2,070,483

Up $1,774,715 (+600%) from 2022

Net Income

Down

-$1,698,888

Down $1,692,882 (-28187%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2011: $1,740,175Liabilities 2011: $0Net Assets 2011: $1,740,1752011Assets 2012: $1,767,970Liabilities 2012: $0Net Assets 2012: $1,767,9702012Assets 2013: $1,800,618Liabilities 2013: $0Net Assets 2013: $1,800,6182013Assets 2014: $1,775,154Liabilities 2014: $0Net Assets 2014: $1,775,1542014Assets 2015: $1,745,810Liabilities 2015: $0Net Assets 2015: $1,745,8102015Assets 2016: $1,736,988Liabilities 2016: $0Net Assets 2016: $1,736,9882016Assets 2017: $1,718,544Liabilities 2017: $0Net Assets 2017: $1,718,5442017Assets 2018: $1,791,899Liabilities 2018: $0Net Assets 2018: $1,791,8992018Assets 2019: $1,683,876Liabilities 2019: $0Net Assets 2019: $1,683,8762019Assets 2020: $1,583,988Liabilities 2020: $0Net Assets 2020: $1,583,9882020Assets 2021: $1,704,894Liabilities 2021: $0Net Assets 2021: $1,704,8942021Assets 2022: $1,698,888Liabilities 2022: $0Net Assets 2022: $1,698,8882022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2023

Assets$0
Liabilities$0
Net Assets$0
Open 2023 Filing

Operations Trend

Revenue Growth76th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0M-$2.0MRevenue 2011: $208,906Expenses 2011: $192,048Net Income 2011: $16,8582011Revenue 2012: $241,602Expenses 2012: $213,807Net Income 2012: $27,7952012Revenue 2013: $246,062Expenses 2013: $213,414Net Income 2013: $32,6482013Revenue 2014: $262,928Expenses 2014: $288,392Net Income 2014: -$25,4642014Revenue 2015: $272,892Expenses 2015: $302,236Net Income 2015: -$29,3442015Revenue 2016: $274,104Expenses 2016: $282,926Net Income 2016: -$8,8222016Revenue 2017: $287,197Expenses 2017: $305,641Net Income 2017: -$18,4442017Revenue 2018: $297,479Expenses 2018: $224,124Net Income 2018: $73,3552018Revenue 2019: $312,918Expenses 2019: $420,941Net Income 2019: -$108,0232019Revenue 2020: $282,892Expenses 2020: $382,780Net Income 2020: -$99,8882020Revenue 2021: $310,869Expenses 2021: $189,963Net Income 2021: $120,9062021Revenue 2022: $289,762Expenses 2022: $295,768Net Income 2022: -$6,0062022Revenue 2023: $371,595Expenses 2023: $2,070,483Net Income 2023: -$1,698,8882023

Highlighted filing

2023

Revenue$371,595
Expenses$2,070,483
Net Income-$1,698,888
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$371,595
Expenses
$2,070,483
Net income
-$1,698,888
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.37$2.07$1.70
2022Detailed filing. Detailed filing data is available for this year.$1.70$0.00$1.70$0.29$0.30$0.01
2021Detailed filing. Detailed filing data is available for this year.$1.70$0.00$1.70$0.31$0.19$0.12
2020Detailed filing. Detailed filing data is available for this year.$1.58$0.00$1.58$0.28$0.38$0.10
2019Summary only. Only limited summary data is available for this year.$1.68$0.00$1.68$0.31$0.42$0.11
2018Summary only. Only limited summary data is available for this year.$1.79$0.00$1.79$0.30$0.22$0.07
2017Summary only. Only limited summary data is available for this year.$1.72$0.00$1.72$0.29$0.31$0.02
2016Summary only. Only limited summary data is available for this year.$1.74$0.00$1.74$0.27$0.28$0.01
2015Summary only. Only limited summary data is available for this year.$1.75$0.00$1.75$0.27$0.30$0.03
2014Summary only. Only limited summary data is available for this year.$1.78$0.00$1.78$0.26$0.29$0.03
2013Summary only. Only limited summary data is available for this year.$1.80$0.00$1.80$0.25$0.21$0.03
2012Summary only. Only limited summary data is available for this year.$1.77$0.00$1.77$0.24$0.21$0.03
2011Summary only. Only limited summary data is available for this year.$1.74$0.00$1.74$0.21$0.19$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 8, 2024
Return Version
2023v5.0
Gross Receipts
$371,595
Mission and Program Overview

Mission

Mutual Insurance Company - Property insurance is provided to members of the Organization.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,698,888--
Savings and Temporary Cash Investments$1,569,203$0▼ $1,569,203
Cash and Non-Interest-Bearing Accounts$129,685$0▼ $129,685
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,698,888$0▼ $1,698,888
Other Assets Total-$0-
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,698,888$0▼ $1,698,888
Total Liabilities and Net Assets / Fund Balance$1,698,888$0▼ $1,698,888
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Edgar KautschDirectorPT$15,818$15,818
Glen SteenbergenPresident-$7,475$7,475
Ron KlattTreasurer-$6,000$6,000
Ethel HeidbrederDirector-$3,200$3,200
Candace StocktonSecretary-$2,400$2,400
Bob DuncanVice President-$1,800$1,800
David OttDirector-$1,800$1,800
Larry LoeschDirector-$1,800$1,800
William SmithDirector-$1,800$1,800
Revenue and Support

Revenue Composition

Contributions and Grants
$337,097
Program Service Revenue
$0
Investment Income
$34,498
Other Revenue
$0
Change in Net Assets
$-1,698,888
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,004,000
Salaries, Compensation, and Employee Benefits$66,483
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$42,093
Other Salaries and Wages---$18,300
Payroll Taxes---$6,090
Information Technology---$4,912
Travel---$4,661
Other Expenses---$3,907
Office Expenses---$3,120
Fees for Services Accounting---$2,505
All Other Expenses---$2,262
Conferences and Meetings---$300
Advertising---$64
Total Functional Expenses$0$0$0$2,070,483
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The Organization's policyholders are considered to be members of the Organization.”

Form 990, Part VI, Section B, Line 11B

“Copies of the final Form 990 and all schedules are sent by either U.S. Mail or hand delivered to each board member prior to being filed with the IRS. Board members are asked to review the return individually and to contact the Board Secretary or the return preparer with any questions or concerns.”

Form 990, Part VI, Section B, Line 12C

“Conflict of Interest policies are signed annually by all board members. The Organization stands ready to enforce noncompliance with the policy should that situation arise.”

Form 990, Part VI, Section C, Line 19

“The Form 990, governing documents, conflict of interest policy, and the Missouri Mutal Annual Statement would be made available to policyholders or the public only upon specific request to the Board of Directors of the Organization.”

Filing and Contact Details

Filer

Filer Name
German Mutual Insurance Company
EIN
44-0258974
Phone
5737963614
Address
104 East Third Street, California, MO 65018

Signing Officer

Name
Glen Steenbergen
Title
President
Signed
2024-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Glen Steenbergen
Formed
1891
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
4
Employees
6

Preparer

Firm
Veralyn K Long CPA
Address
1319 Friendship Road, Wardsville, MO 65101
Preparer
Veralyn K Long CPA
Phone
5736903161
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“German Mutual Insurance Company ceased operations on December 31, 2023. The Organization merged with Highland Mutual Insurance Company.”

Raw XML Appendix371 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/BooksInCareOfDetail/PhoneNum05737963614
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IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Property Insurance having a gross inforce amount of approximately $65,000,000 was provided to members. Approximately 400 policies were inforce in 2023. All policies were transferred to Highland Mutual Insurance Company at December 31, 2023.
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
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IRS990/PYTotalRevenueAmt0289762
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02023-12-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0440283365
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt01676905
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(c)(15)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0Bank Balance
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0104 East Third Street
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0California
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd065018
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0true
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0Ronald Klatt and Candace Stockton became Directors of successor.
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1Approved merger documents attached.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I & 2, Line 2e - Name and Explanation for Involvement in Successor
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1Sch N, Part III, Additional Information
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0German Mutual Insurance Company ceased operations on December 31, 2023. The Organization merged with Highland Mutual Insurance Company.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Organization's policyholders are considered to be members of the Organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Copies of the final Form 990 and all schedules are sent by either U.S. Mail or hand delivered to each board member prior to being filed with the IRS. Board members are asked to review the return individually and to contact the Board Secretary or the return preparer with any questions or concerns.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Conflict of Interest policies are signed annually by all board members. The Organization stands ready to enforce noncompliance with the policy should that situation arise.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Form 990, governing documents, conflict of interest policy, and the Missouri Mutal Annual Statement would be made available to policyholders or the public only upon specific request to the Board of Directors of the Organization.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/TotalAmt04661
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IRS990/USAddress/AddressLine1Txt0104 East Third Street
IRS990/USAddress/CityNm0California
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065018
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Glen Steenbergen
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0German Mutual Insurance Company
ReturnHeader/Filer/BusinessNameControlTxt0GERM
ReturnHeader/Filer/EIN0440258974
ReturnHeader/Filer/PhoneNum05737963614
ReturnHeader/Filer/USAddress/AddressLine1Txt0104 East Third Street
ReturnHeader/Filer/USAddress/CityNm0California
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd065018
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Veralyn K Long CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01319 Friendship Road
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Wardsville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065101
ReturnHeader/PreparerPersonGrp/PhoneNum05736903161
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Veralyn K Long CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02024-05-08T18:49:23-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Glen
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Steenbergen
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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